What You Should Know Before Choosing a Health Insurance Plan Like Jeevan Arogya
This health insurance plan provides financial support during hospitalization, surgeries, and medical emergencies, helping families manage rising healthcare expenses.
Who Can Be Covered
- Self and spouse: 18 to 65 years
- Parents/in-laws: 18 to 75 years
- Children: 91 days to 17 years
- Includes coverage for family members under one policy
Key Features
- Available for individual and family coverage
- Premium payment options: Yearly or half-yearly
- Day care procedures are covered
- Ambulance benefit included
- Premium waiver benefit available
- Health cover can increase every year
- Provides lump sum benefits regardless of actual expenses
Main Benefits
- Hospital Cash Benefit (HCB) during hospitalization
- Major Surgical Benefit (MSB) from ₹1 lakh to ₹4 lakh
- Day Care Procedure Benefit for short medical procedures
- Other Surgical Benefit for surgeries not covered under MSB
- Ambulance Cover up to ₹1000
- No Claim Benefit (NCB) for claim-free years
- Tax benefits under Section 80D
Important Coverage Details
- Waiting period: 90 days
- ICU benefits available with yearly limits
- Lifetime benefit limits apply for hospitalization and surgeries
- Premium waiver available after certain major surgeries
What Is Not Covered
- Pre-existing diseases
- War, riots, or military operations
- Natural calamities
- Dangerous sports activities
- Self-inflicted injuries
- Drug or alcohol abuse
- Pregnancy or childbirth-related expenses
- Cosmetic treatments
- HIV/AIDS and congenital conditions
- D>Dental treatments
Documents Required
- Identity, age, and address proof
- Medical and hospital documents for claims
- Claim form and payment receipts
Disclaimer
This is a general summary for informational purposes only. Please review the complete policy terms, conditions, waiting periods, and exclusions before purchasing.
